Schenectady County and Rotterdam Town property record for 1005 Spruce St, Schenectady, NY 12306
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,296 sqft · built 1952 |
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $220,000 (Jun 2024) |
| Tax Bill | $6,237 (2026) |
| Deeds & Mortgages | Jun 2024 Sale & Mortgage Nov 2021 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 422800 58.8-8-13 |
| Primary APN | 422800 58.8-8-13 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,296 sqft Living Area |
| 1st Floor Area | 864 sqft |
| Upper Floors Area | 432 sqft |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 6,098 sqft (0.14 acres) |
| Lot Dimensions | 105 ft deep x 57 ft wide |
| Garage Type | Detached |
| Garage Area | 308 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
|---|---|
| Porch Area | 150 sqft |
| Shed | 1 Shed |
| Shed Area | 100 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 1005 SPRUCE ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12306-3726 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | R,G,TLSH HOMELNDS 1 PTS 104-106 6.-438-2 |
| Legal Block | 8 |
| Legal Lot Number | 13.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | ROTTERDAM |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 33004 |
1005 Spruce St is owned and occupied by two individuals who bought it in June 2024.
Source: Schenectady County and Rotterdam Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1005 SPRUCE ST, SCHENECTADY, NY 12306-3726 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 7, 2024 | Warranty Deed, Transfer · Conventional Mortgage SEFCU MORTGAGE SERVICES |
| Nov 17, 2021 | Warranty Deed, Transfer · FHA Mortgage AMERICAN FINANCIAL NETWORK INC |
| Feb 1, 2019 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Mar 27, 2014 | Loan Modification, Mortgage · FHA Mortgage HOMEBRIDGE FIN'L SVCS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 7, 2024 · Amount on File |
| Deed Sale | Jun 7, 2024 · Amount on File |
| Prior Sale | Nov 17, 2021 · Amount on File |
| Deed Document Number | 202434731 |
| Deed Book / Page | 2132 / 303 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jun 7, 2024 |
| Property Address | 1005 SPRUCE ST, SCHENECTADY, NY 12306-3726 |
| Document Number | 0000034731 |
| Book / Page | 2132 / 303 |
| Instrument Date | May 23, 2024 |
| Instrument | 202434731 |
| Transaction Type | Transfer |
| Record Updated | Apr 14, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $880.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1005 SPRUCE ST, SCHENECTADY, NY 12306-3726 |
| Name | Verified Name |
|---|---|
| Address | 606 BEDFORD RD, SCHENECTADY, NY 12308-3435 |
| Document Number | 0000034736 |
|---|---|
| Date | Jun 7, 2024 |
| Instrument | 202434736 |
| Name | SEFCU MORTGAGE SERVICES |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Nov 17, 2021 |
| Property Address | 1005 SPRUCE ST, SCHENECTADY, NY 12306-3726 |
| Document Number | 0000057744 |
| Book / Page | 2071 / 631 |
| Instrument Date | Nov 3, 2021 |
| Instrument | 202157744 |
| Transaction Type | Transfer |
| Record Updated | Nov 30, 2021 |
| Title Company | LEGACY TITLE SERVICES, LEGACY TITLE SERVICES LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $700.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1005 SPRUCE ST, 1005, ROTTERDAM, NY 12306-3726 |
| Name | Verified Name |
|---|---|
| Address | 3109 CARMAN RD, SCHENECTADY, NY 12303-4534 |
| Document Number | 0000057745 |
|---|---|
| Date | Nov 17, 2021 |
| Instrument | 202157745 |
| Name | AMERICAN FINANCIAL NETWORK INC |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1005 SPRUCE ST, SCHENECTADY, NY 12306-3726 |
| Document Number | 0000009067 |
| Instrument Date | Feb 1, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Mar 21, 2019 |
| Title Company | TITLE 365 |
| Name | Verified Name |
|---|---|
| Address | 1005 SPRUCE ST ROTTERDAM NY 123063726, ROTTERDAM, NY 12306-3726 |
| Document Number | 0000009067 |
|---|---|
| Date | Mar 1, 2019 |
| Book Page | 004897/000356 |
| Instrument | 9067 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | 451 7TH ST SW, WASHINGTON, DC 20410-0001 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 28, 2049 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1005 SPRUCE ST, SCHENECTADY, NY 12306-3726 |
| Document Number | 0000009066 |
| Instrument Date | Mar 27, 2014 |
| Transaction Type | Mortgage |
| Record Updated | Mar 21, 2019 |
| Title Company | TITLE 365 |
| Name | Verified Name |
|---|---|
| Address | 1005 SPRUCE ST ROTTERDAM NY 123063726, ROTTERDAM, NY 12306-3726 |
| Document Number | 0000009066 |
|---|---|
| Date | Mar 1, 2019 |
| Book Page | 004897/000345 |
| Instrument | 9066 |
| Name | HOMEBRIDGE FIN'L SVCS INC |
|---|---|
| Type | Funding / Finance Company |
| Address | KENNESAW, GA 30144 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 28, 2049 |
| Rate | 4.75% |
|---|
The 2026 property tax bill for 1005 Spruce St was $6,237, up 1.9% from the year before.
Source: Schenectady County and Rotterdam Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schenectady County |
| County Subdivision | Rotterdam Town |
| Unified School District | Rotterdam-Mohonasen Central School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,237.00 (+1.91%) | ||
| 2025 | $6,120.00 | $167,000 Land $5,500 Building $161,500 | $256,900 Land $8,461 Building $248,439 |
| 2023 | $167,000 Land $5,500 Building $161,500 | $219,700 Land $7,236 Building $212,464 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1005 Spruce St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective January 7, 2014
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 1005 Spruce St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 94% of New York |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ROTTERDAM WD #5 serves 28,000 people · EPA ID NY4600069 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2025 |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 701 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Greenlight Networks Fiber | 8,000 / 8,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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